At HDFC Bank, I lead mortgage valuation and technical due diligence for retail home loans, LAP, and project finance. I support lending decisions for a ₹900+ Cr active mortgage portfolio.
I manage 250–300 valuation cases each month and oversee 25+ empaneled valuers. This work improved turnaround time by 15–20%.
At ICICI Bank, I managed valuation operations for a ₹1,200+ Cr cumulative portfolio, handling residential, commercial, and industrial assets. I ensured compliance with internal credit policy and regulatory norms, and flagged high-risk and over-valued proposals.
Across my banking work, I assess collateral, validate construction progress, and identify technical, legal, and market risks. I coordinate with Credit, Legal, Operations, and Business teams to support timely, risk-aligned lending decisions.
